If you’ve been making payments on your 30-year fixed mortgage for the past 10 years, you only had 20 to go. But if you refinance, if you choose another 30-year mortgage, you’re back to the beginning. But what some people do is actually refinance from a 30-year to a 15-year if they already have a number of years of payments under their belts.

 · Even when mortgage rates drop, the decision to refinance a home loan can be an uncertain one. The problem is that the shortcuts we’re taught – the “rules of thumb” of when to refinance and when to pass – don’t actually work. As a result, homeowners often refinance when they shouldn’t; and,

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Consider These Things If You Want To Refinance Your Mortgage Deciding to refinance your mortgage can come from different reasons. But keep in mind that deciding to refinance should be thought of very carefully.

Why consider refinancing? Lowering your interest rate. The interest rate on your mortgage is tied directly to how much you pay on your mortgage each month–lower rates usually mean lower payments. You may be able to get a lower rate because of changes in the market conditions or because your credit score has improved.

 · Choosing whether and when to refinance your mortgage is complicated, at best. Remember, refinancing carries costs of its own, including closing costs. So you really need to figure out your break-even point for refinancing before you make this choice.

Before discussing a refinance with your lender, or even looking into mortgage rates, you need to consider whether or not a refinance. offer the best mortgage rates. Finding the Best Refinance.

A mortgage loan refinance is a great way to lower monthly payments and free up much needed cash. In order to determine whether a refinance is right for you, there are several factors to consider. Your Embrace Mortgage Specialist can help you determine whether you should refinance and just exactly how much money you can save each month.

Here are the pros and cons to consider to help you decide.. many benefits and reasons why you might consider refinancing your mortgage.

Mortgage rates are still historically low and you may have plenty of loan options, but take some time to figure out whether refinancing is your best move right now.